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As an independent agency, we are here to help you find the right coverage.
Learn More About Our Agency.
Our agency has changed names and owners over the decades, but one thing has always remained: our commitment to finding coverage that best fits the needs of our clients. Since our founding in the 1890s, our agency has transformed in recent years to focus on addressing the insurance needs of businesses and public entities, while also offering employee benefits and personal insurance solutions.
As an independent insurance agency, we have a variety of coverage options and unique, specialty insurance solutions that you won’t find anywhere else in the region. And with our experience and partnerships within the insurance industry, we can bring you the advice and guidance you need to protect what’s most important.
Complete insurance protection for businesses, public entities, families and beyond.
The Independent Agency Advantage
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Our agency has been located in O’Fallon, IL since the 1890s and continues to serve the insurance needs of the community.
Clients Come First
We go the extra mile to exceed your expectations and protect what matters most to you with unique, specialized coverage options.
With extensive experience and over a century and a half in business, we understand what it takes to bring you quality coverage.
Warma Witter Kreisler & Associates, Inc. + Keystone Insurers Group
Our partnership allows us to better serve your insurance needs.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Your township building is susceptible to many perils throughout the year such as wind, rain, collapse, fire, and smoke. When significant damages to the building occur, how will you replace the building and its contents to continue servicing the township?
Property insurance can help protect the property your township owns or leases, including things like equipment, supplies, furniture, and fixtures. Whether you own your building or lease your workspace, property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Abuse and Molestation
There are hundreds of reports each year of children being sexually abused by adults. This exposure is excluded from the standard general liability policy form.
Obtain the proper abuse and molestation coverage to protect the municipality from the possibility of significant financial loss in the event of an allegation. In addition, have written documentation within the municipality to address how to prevent sexual abuse from happening, how to report it to authorities, and what to do in an event of an allegation.
If a municipality runs the community sewer and wastewater plant, it can be exposed to many risks such as failure to supply, water contamination, notification expenses, and others.
A sewer authority coverage liability form can cover the professional activities that go along with managing a wastewater treatment facility. Some forms include errors and omissions, failure to supply utilities, and other necessary coverages such as equipment breakdown for the facility.
Public Officials Liability
Any municipality that has elected public officials or governing boards (park boards, historic boards, etc.) has exposure for the financial and other decisions the boards make, which affect the entire population of that municipality.
A municipality can be held liable for wrongful acts and decisions made by elected public officials and governing boards and will need to defend against such allegations. Having a liability policy that can protect against these risks is essential. This can also include employment practices liability as well.
Law Enforcement Liability
Having a municipal police force has many areas of liability, especially in today’s legal environment. Police can be held liable or sued for wrongful detention, police brutality, and other accusations. Unfortunately, these claims normally carry a high dollar value.
Law enforcement liability provides coverage for the municipality and its police officers for allegations that may arise from an officer’s actions. This coverage can also include a line of duty accidental death coverage and a moonlighting endorsement.
Flood and Earthquake Coverage
Depending on your location and surroundings, your borough could be in an earthquake and flood-prone area. The common property policy excludes coverage for these types of claims, leaving a municipality with significant structural or water damage and no coverage.
Adding earthquake and/or flood policies can cover property claims when those disasters occur. Depending on the zone you occupy, limits can go up to $10M and will include a deductible per occurrence.
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers' compensation and employers liability insurance protect your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in, as well as all physical locations where you hire your employees.
General Liability Insurance
Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen on municipal property. Claims may arise due to bodily injury, property damage, personal injury, and more.
General liability insurance is an absolute necessity. It provides broad coverage when the municipality is deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Municipality Insurance 101
Running a city or township has its own unique risks
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